---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-23-020541"
form_type: "8-K"
ticker: "RBB"
cik: "0001499422"
company_name: "RBB Bancorp"
filed_at: "2023-07-24T23:59:59+00:00"
generated_at: "2026-06-13T04:11:51.000478+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# RBB Bancorp Q2 EPS $0.58; NPLs jump 57%; SEC launches informal inquiry

## Summary
- Net income of $10.9M ($0.58 diluted EPS), flat vs Q1 but down 30% from $0.80 YoY.
- Nonperforming assets rose to $42.4M (1.04% of assets) from $27.0M, driven by CRE and SFR loans.
- Deposits grew $24.4M; loan-to-deposit ratio improved to 99.3% from 104.7%.
- Board declared $0.16/share quarterly dividend, payable Aug 11 to holders of record Jul 31.
- Company voluntarily cooperating with SEC informal requests re policies, former officers; outcome uncertain.

## SEC filing metadata
- accession: 0001437749-23-020541
- form_type: 8-K
- ticker: RBB
- cik: 0001499422
- company_name: RBB Bancorp
- filed_at: 2023-07-24T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01, 7.01, 8.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1499422/000143774923020541/0001437749-23-020541-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1499422/000143774923020541/rbb20230613_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-23-020541
- JSON: https://secwatch.observer/filing/0001437749-23-020541.json
- Plain text: https://secwatch.observer/filing/0001437749-23-020541.txt

## Key facts
- Earnings Releases
  RBB Bancorp reported second quarter 2023 results: net income $10.9 million, EPS $0.58 diluted earnings per share.
  - Period: second quarter 2023
  - Net income: $10.9 million
  - EPS: $0.58 diluted earnings per share
  - Result: reported results
  source text: The Company reported net income of $10.9 million, or $0.58 diluted earnings per share, for the quarter ended June 30, 2023,
  evidence_url: https://www.sec.gov/Archives/edgar/data/1499422/000143774923020541/0001437749-23-020541-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.